gistfile1.php

<?php
$out = '';
$template = '<div class="photo">
  <img src="/photos/%s" alt="%s" />
  <h3>%s</h3>
  <p>%s</p>
</div>
';
$max_length = 1000; //longest line in your data
if (($handle = fopen("test.csv", "r")) !== FALSE) {
  while (($data = fgetcsv($handle, $max_length)) !== FALSE) {
    if(count($data) >= 3){
      $out .= sprintf($template, $data[1], $data[0], $data[0], $data[2]);
    }
  }
  fclose($handle);
}
print $out;
?>